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THC Solutions Banking

SOLUTIONS
 
 
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LENDING
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BANKING
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TRANSACTING
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CONSULTING
BANKING
OPTIMIZE PERFORMANCE

Meeting regulatory expectations is not a functional silo but rather a driver of risk management and profitability. Satisfy regulatory requirements related to interest rate, liquidity, and credit risk, as well as strategic planning.

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EXPLORE OUR REPORTS ON DEMAND
FOR SENIOR MANAGEMENT
Report Name Key Words
Balance Sheet Profitability Offer rate sheet, fund transfer pricing, financial statements, ROE, RAROC, indirect cost allocation
Financial Simulation Proforma financial statements, performance and risk metrics
Peer Group Comparison Custom peer groups, peer analysis
Dupont Analysis Income attribution, proforma income attribution
Income Financial Simulations Growth plan, market scenarios, noninterest
Cash Flow Projection Interest principals, default, recovery, servicing fees, option model
Mortgage Serving Rights (MSR) Fair value accounting, collateral modeling
Loan Portfolio Pricing Price attribution, yield attribution, OAS, CECL
Deposit Portfolio Pricing Withdrawal rate, partial adjustment rate
FOR BUDGETING
Report Name Key Words
Variance Analysis COA financial items mapping, board reporting, budget
Budgeting: Uses & Sources Liquidity coverage ratio
Budgeting Quarterly Projection Performance metrics
Budgeting Monthly Projection Prepayment projections, proforma statements
Income Financial Simulations (stress test) Loan stress test
Uses & Sources (stress test) Liquidity coverage ratio
FOR ALCO MEETINGS
Report Name Key Words
ALM Management CAMELS, investments, market conditions
Balance Sheet Performance Attribution Recurring back testing
ALM Performance Target and policy limits
Directors Dashboard Performance, business monitor, liquidity, credit, IRR
Management Summary Peer group, proforma, CALL performance metrics
Contingency Funding Plan Minimum liquidity under moderate, severe, crisis scenarios
Core Deposit Account Backtest Goodness of fit to historical data
Prepayment Backtest Goodness of fit to historical data
EVE Duration, capital, convexity, rate shocks
EVE KRD (par rate) Balance sheet yield curve risk
EVE KRD (spot rate) Balance sheet yield curve risk
EaR Earning under rate shocks
Repricing Gap Cumulative and periodic gap
Proforma EVE 12 mo proforma EVE under shocks
Liquidity Gap Cumulative and periodic gap
Uses & Sources Liquidity coverage ratio
Assumption Report Index rates, reinvestment rates, financial models, model inputs
Income Simulation (EaR + Growth plan) EaR, growth plan
Two Cycle Comparison EVE, EaR, duration, volume, rates
OUR SOLUTIONS
STRATEGIC
PLANNING
Integrated cashflows based on capital market option exercise rules; multiple scenario analytics; incorporated credit model with seamless model assumption integration.
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CREDIT RISK
MANAGEMENT
Credit risk based on account level detail with option adjusted cashflows; customizable scenario analytics to determine the impact of credit in a stressed environment.
Read more >>
REGULATORY
REPORTING
Integrated cashflows based on capital market option exercise rules; credit and interest rate models in a single consistent framework; customizable scenario analytics; model assumption integration.
Read more >>
MORE ABOUT ALM PROGRAMMING LIBRARY
CLOUD PLATFORM SOLUTIONS
Optimal strategic decisions based on account level detail, consolidated credit, interest rate and liquidity risks in a single consistent platform – THC Financial Engineering.
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On Demand
Self-service
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Financial
Ecosystem
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Operational
Efficiency
COMPUTE SERVERS SOLUTIONS
Our software is a powerful tool to manage optimal strategies including an ALM model integrated to your database on an installed basis.
Based on:
ALM Models
Years of Research
Extensive Database
Technologies
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